volunteeremmetcounty.com Joined February .. After several years of polite British coughing followed by nervously going "Er, actually " we're just gonna. 18 Nov Chances are that the National Security Agency and other cyber-war ministries around the world have already cracked the hashing algorithm. 5 Nov Pardon acknowledges that North America will be a tough market to crack, since many banks such as PNC are developing or have built mobile. 11 Nov Chairman and CEO of BBVA, predicted, "Up to half of the world's banks will disappear through the cracks opened up by digital disruption.